Date Received: 2023-10-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I checked my credit report and noticed I had a collection from ( IC Systems , INC XXXX XXXX XXXXXXXX ) that was opened in XX/XX/2023 for {$1400.00} with account number starting in XXXX that I do not recall and am not liable for. I never entered into a signed agreement or completed an original contract with them. This is fraudulent and a violation of my rights. This inaccurate collection is not mine. If you believe this account is mine, prove the validity. REMOVE FROM XXXX, XXXX and XXXX. I would like all collection activity to cease immediately and for this inaccurate and fraudulent collection to be removed from my credit report or I will file for litigation and report you to the CFPB and FTC. I sent letters to XXXX, XXXX and XXXX on XX/XX/2023 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over XXXX and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so. I demand these items I disputed in my letters to be blocked, removed and deleted from my consumer report immediately. I am trying to obtain credit and need the bureaus to respond. Please intervene and assist me with this request.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30294
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: As shown in the document provided IC Systems is reporting incorrect and conflicting information on my credit report. I have no knowledge of this debt and this looks like an account that was opened during the time that I was utilizing a different XXXX for internet and cable. I believe this account ws open fraudulently and I may have been the victim of identitiy theft during the pandemic.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29440
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I C System. Has stolen my personal information. I have no contract with I C System. and I have never given them any personal information of mines. How did they obtain my personal information? I C System is reporting illegal and unauthorize personal information on my credit report. I C System is using my stolen personal information to collect a debt What laws were used to get my personal information and file a lawsuit on me for an alleged debt that is already paid for? I the consumer have given XXXX XXXX XXXX XXXX Notice letters of dispute, Opportunity to cure and opt-out request. I C System refuse to perform based on law. I C System Continues to use stolen personal information in misleading and deceptive practices. Who authorized the selling. Sharing. or reporting of my personal information? I the consumer did not consent to this. Yet i continue to be harass with illegal reporting that I never agreed to or authorize this use of my personal information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 485XX
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: on XX/XX/23 I disputed account with a regarding title of NO RESPONSE. I requested verification or delete on account because credit report is reporting a debt that I do not recall having. I disputed through XXXX and XXXX and only XXXX responded deleting account. XXXX continues reporting debt without verifying account. Credit reports states account has been disputed and meets FCRA requirements. How is this possible if I dont recall debt and creditor nor bureaus have provided verification.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 503XX
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company is saying that I owe them {$590.00}. I have never done any business with this company for any reason.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28214
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I C SYSTEM ( Original Creditor : XXXX XXXX XXXX XXXX ) is reporting a debt of {$640.00} to XXXX and XXXX. I have advised XXXX and XXXX this is not my account or debt. The opening date that both XXXX and XXXX is reporting is XXXX. I was a monor at the time I was only XXXXXXXX XXXX I advised them that my identity was compromised. And I sent proof of my age at the time this account was opened. THIS IS NOT MY ACCOUNT. PLEASE HELP. TY
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80501
Submitted Via: Web
Date Sent: 2023-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Took or threatened to take negative or legal action
Subissue: Sued you in a state where you do not live or did not sign for the debt
Consumer Complaint: I.C Systems Inc. is trying to collect debt and doesnt have a license to collect debt on me in my state ( Florida )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: There is two charges on my credit report from XXXX XXXX XXXX XXXX / I C SYSTEMS one for {$660.00} and the other {$440.00}. The dates open wasXX/XX/XXXX andXX/XX/XXXX. The company has negatively impacted my credit reports.. I have filed a theft of identify report and attached it a police report and updated the XXXX site with a theft of identify statement : XXXX XXXX XXXX XXXX : Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$440.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$660.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35749
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On or about XXXX XXXX, 2023. IC System fraudulently placed a Collection Account on my credit reports for XXXX XXXX and XXXX. The collection agency is reporting the debt on behalf of a storage company titled " XXXX XXXX ''. Per its credit reporting of the alleged debt. However, I do not have an account with XXXX XXXX. I did not authorize this account. I do not have a business relationship with this entity. IC System did not report to XXXX any previous payment history, monthly payment amount, and only reported that the account is a Collection Account, with no other verifying data provided. IC System has never contacted me by mail, phone or otherwise to inform me of the alleged debt. I do not have a Storage Unit with XXXX XXXX. I do not owe a debt to XXXX XXXX or IC System. IC System nor XXXX XXXX has never placed a inquiry of any on my credit reports. IC System knowingly and intentionally placed a Collection Account on my credit reports without verifying if the debt was valid or authorized. Further, IC System failed to report accurate information by not including data that is necessary to validate a debt. IC System has clearly placed another individuals account on my credit reports. Which has directly caused me undue hardship. XXXX immediately removed this fraudulent account from my credit reports. I request that XXXX and XXXX adhere to consumer law concerning not placing inaccurate information on my credit report that are not in good faith verified and authentic.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78253
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX XXXX sent my account to collection on XX/XX/23. This is for a bill that was paid due to my credit card expiring. The payment was made. But they still sent the account to collection. I reached out on several occasions to have the collection removed from my credit report. They have refused to remove the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20723
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A